I have an aversion to spending money so I just use the bog standard P4 female most of the time for clothed females and Eve for nudes because she doesn't do as many strange things when she'd posed. I also like the Kim figure for an oriental woman and the figures from Thorneworks for teen type figures. He provides them as fairies but you can twiddle the dials to remove the fairy features. Also, Poser Factory has a good range of free figures including Nene in various guises. Apart from the cost of Poser in the first place, all of these are free. Maz